Standard medical travel insurance strictly excludes losses and treatments arising from undeclared pre-existing medical conditions, routine check-ups, elective surgeries, and medical care required due to participation in unapproved extreme adventure sports or hazardous activities. Additionally, claims resulting from traveling against government or physician advisories, routine dental care, pregnancy-related complications past specific gestational limits, and injuries sustained while under the influence of alcohol, drugs, or illegal substances are universally excluded from coverage.
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